We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 2124 results
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Decision Reference DRN-4019360
21 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4019360 The complaint Ms T says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Ms T applied for a credit card in May 2018. It was approved with a limit of £1,200. Ms T says NewDay should never have lent to her. If it had checked her credit file it would have seen... (2 pages)View decision -
Decision Reference DRN-3280711
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3280711 The complaint Mr D complains that NewDay Ltd refuses to refund a payment he made to a fraudulent binary options scammer. What happened Mr D was introduced to a company I’ll call ‘S’ by a friend who was working with them and earning large profits. His friend passed Mr D’s detai... (7 pages)View decision -
Decision Reference DRN-3809817
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3809817 The complaint Mrs S complains that NewDay Ltd trading as Aqua, irresponsibly increased the credit limit for a credit card she held with it and that she subsequently found the repayments unaffordable. What happened In August 2006, Mrs S opened a credit card account with NewDay w... (5 pages)View decision -
Decision Reference DRN2989388
22 Feb 2017 NewDay Ltd UpheldPayment protection insurance (PPI)Mr W says that NewDay Ltd (NewDay) (trading as Opus) mis-sold him a credit card payment protection insurance (PPI) policy. backgroundMr W bought the PPI policy in 1997 when he took out a credit card by post. The cost of the policy was 59p for each £100 he owed on ... (2 pages)View decision -
Decision Reference DRN-3538734
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3538734 The complaint Ms P complains that NewDay Ltd (“NewDay”) irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved several credit card applications for Ms P, as follows: Amazon credit card approved April 2018 with an initial credit limit o... (3 pages)View decision -
Decision Reference DRN-5270346
3 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5270346 The complaint Mr B, through a representative, says NewDay Ltd, trading as Marbles Card, irresponsibly lent to him. What happened Mr B opened a credit card with NewDay in January 2018. He was given a £300 credit limit. This was increased to £1,200 in June 2018, to £2,600 in O... (3 pages)View decision -
Decision Reference DRN0436566
17 Jan 2020 NewDay Ltd Not upheldPayment protection insurance (PPI)Mr T’s complaint is about how NewDay Ltd (NewDay) has calculated the compensation for a mis-sold payment protection insurance (PPI) policy that was taken out alongside a credit card.backgroundMr T took out a credit card with NewDay in April 2008 and alongside this he took out a PPI policy.... (3 pages)View decision -
Decision Reference DRN-3909703
19 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3909703 The complaint Mr V complains that NewDay Ltd acted irresponsibly by opening several credit card accounts and increasing his credit limit. What happened Mr V complains about NewDay’s decision to open three credit card accounts and subsequently increase the credit limits on each.... (2 pages)View decision -
Decision Reference DRN-4475790
7 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4475790 The complaint Miss C complains NewDay Ltd (“NewDay”) won’t refund payments made to a car rental company whilst on holiday abroad which she didn’t authorise. What happened The details of this complaint are well known by both parties, so I won’t repeat them again here in detail. ... (4 pages)View decision -
Decision Reference DRN5152037
11 Feb 2020 NewDay Ltd Not upheldBanking and creditMr R complains about his Aqua credit card, which is provided by NewDay Ltd.backgroundMr R opened his credit card account in October 2017. Since then he’s made a number of complaints.The specific issues Mr R has asked us to look at relate to: Not being able to use his card at cash machines... (4 pages)View decision
